Solutions
Cyber insurance
The policy that responds when the incident is digital: intrusion, ransom or data breach.
For a business that operates online, a security incident is a first-order operational risk: every hour of downtime costs money, and it opens legal obligations towards clients and the data protection authority. Cyber insurance combines an incident-response service with cover for the economic consequences.
What it typically covers in the Spanish market
- 01Incident response
- Forensics, containment, recovery of systems and data, and management of the incident from the first call.
- 02Business interruption
- Lost income while systems are down due to the covered incident.
- 03Third-party liability
- Claims from clients and affected individuals over leaked or misused data.
- 04Regulatory obligations
- Notification costs to affected parties and the authority, plus legal assistance in the procedure.
- 05Extortion and fraud
- Ransomware handling and computer-fraud covers, within the terms and limits each policy allows.
What it normally does NOT cover
Pending security investment: the policy does not pay for the hardening you should already have (and insurers ask about it in the questionnaire).
Penalties that the law does not allow to be insured.
Outages of uncovered providers, or failures without a security incident.
The professional failure of the service you provide to your client.
If the client's loss comes from your work rather than an attack, the line is professional indemnity. That is why we analyse them together.
When a digital business needs it
- 01
An ecommerce suffers a customer-data breach and must notify, defend itself and compensate.
- 02
Ransomware takes a SaaS offline and every hour of downtime is lost revenue.
- 03
The finance mailbox is compromised and a transfer goes to the wrong account.
- 04
An enterprise client contractually requires cyber insurance with specific limits to keep sharing its data.
Start with the initial risk review
Before talking policies, we analyse your case in writing: an exposure map, an inventory of current cover and the gaps against cyber risk and the other areas. Free of charge and without commitment; we reply within 1 business day.
Policy purchase is not available yet: we are building our carrier panel.
Indicative description of this line in the Spanish market. The exact scope of any cover is set by the specific policy wording and limits.